This includes health problems of fellow travellers, plus stay-at-home close relatives whose health may be dodgy enough to stop you travelling or force you to shorten or pull out of the trip.

Adventure activities

Claims as a result of hazardous activities you take part in such as:

horse riding

skiing

scuba diving

cycle touring

- and didn't tell your travel insurance company about. Remember, what's looked on as a risky activity can vary between insurers, so always check the small print and gather several quotes.

Camel Trip

Think twice before you hop on that camel trip in Morocco.

Your Lawrence of Arabia moment could seem like fun at the time, but if your camel tramples an innocent bystander (it happens) and you don't have personal liability cover for that particular activity and the trampled one decides to sue you, be very, very afraid...